Contoh Loan Agreement Indonesia: What You Need to Know

A loan agreement is a legal document that outlines the details of a loan between the lender and the borrower. In Indonesia, loan agreements are governed by the Indonesian Civil Code and the Indonesian Commercial Code. These regulations ensure that loan agreements are legally binding and enforced by the judicial system.

If you’re looking for a contoh loan agreement Indonesia, here’s what you need to know:

What is a Contoh Loan Agreement?

A contoh loan agreement, or a sample loan agreement, is a pre-made template that outlines the terms and conditions of a loan. It commonly includes the amount of the loan, the interest rate, repayment terms, and any additional clauses or provisions.

In Indonesia, a loan agreement needs to be in writing and signed by both the lender and the borrower. The agreement must also include the following information:

1. The date when the loan is granted

2. The amount of the loan in words and figures

3. The term of the loan

4. The interest rate

5. The repayment terms, including the repayment schedule and method of payment

6. The collateral, if any

7. The consequences of default or late payment

8. The governing law and jurisdiction

9. The signatures of both parties

Why You Need a Contoh Loan Agreement

A loan agreement is important because it serves as evidence of the loan transaction. It also protects both the lender and the borrower by outlining the terms of the loan and the consequences of default.

For the lender, a loan agreement ensures that they will be repaid according to the terms of the agreement. It also provides legal recourse in case the borrower defaults on the loan.

For the borrower, a loan agreement provides transparency and clarity in terms of the loan’s terms and conditions. It also protects them from any hidden fees or unfair clauses in the loan agreement.

How to Draft a Contoh Loan Agreement

While there are contoh loan agreements readily available online, it’s important to tailor the agreement to your specific needs. Here are some steps to follow when drafting a loan agreement:

1. Determine the terms of the loan. This includes the amount of the loan, interest rate, repayment schedule, and any additional provisions.

2. Determine collateral, if necessary. If the loan requires collateral, include the details of the collateral in the agreement.

3. Include a default clause. This outlines the consequences of default, such as late fees, penalty interest, or legal action.

4. Include a governing law and jurisdiction clause. This determines which law governs the loan agreement and which courts have jurisdiction over any disputes.

5. Include a signature block for both parties.


A contoh loan agreement is a valuable tool for anyone lending or borrowing money in Indonesia. It ensures that both parties are protected and that the terms of the loan are transparent and legally binding. While there are contoh loan agreements available online, it’s important to tailor the agreement to your specific needs and to consult with a legal professional if necessary.